You may have to try several places before you find one that will open an account for you. Depending on why you want the account it will likely take a few days to complete everything. You have to have money transferred from a foreign account for a visa. You have to have a rental agreement or the bank won't want to open an account for you
your money has to be seasoned. They check to make sure it is in your account. It's just coincidence that this happens close to your first 90 day report. No you do not have to know 100 percent to have an opinion in here